Privacy Policy for Smart Score
Effective Date: May 11, 2026
Smart Score ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Smart Score mobile application (the "App").
1. Information We Collect
We collect information that you provide directly to us and information that is automatically collected when you use the App.
A. Personal and Financial Data
To provide credit-related services, we collect personally identifiable information, including:
Full Name: First and Last Name.
Identity Documents: PAN and Aadhaar Number (used for KYC and fetching credit reports).
Contact Information: Mobile Number and Email Address.
Demographic Information: Date of Birth and Gender.
Address Details: City, State, PIN Code, Permanent and Current Address.
B. Device and Usage Information
We automatically collect certain information about your device to ensure app security and functionality:
C. Location Data
With your explicit permission, we collect Precise Location data to:
Verify your identity and location for secure credit-related services.
Comply with regional regulatory requirements and fraud prevention.
Note: We do not track your location continuously in the background.
D. App Permissions Data
The App requests the following permissions to function:
Camera and Photos: To capture and upload KYC documents and your profile picture.
Location: For security, identity verification, and compliance.
Biometric Authentication: To enable secure login (Fingerprint/Face ID). Crucial: This data is processed locally by your device's secure enclave; we never store or transmit your biometric data to our servers.
2. How We Use Your Information
We use your data to provide a secure and personalized experience:
To create and manage your secure account.
To fetch and display your Credit Score and detailed Credit Reports from authorized bureaus (e.g., Experian, CRIF,TransUnion).
To provide customer support and respond to inquiries.
To send critical notifications related to your account status.
To detect and prevent fraudulent activities.
3. Disclosure of Your Information
We do not sell your personal data. We may share information only in the following contexts:
Credit Bureaus: We share your identity details with authorized credit information companies to retrieve your credit score.
Service Providers: We use trusted third parties like Firebase (for push notifications and crash analytics).
Legal Requirements: If required by law, we may disclose information to comply with legal obligations or protect our rights.
4. Data Security
We implement industry-standard security measures:
Encryption: All data is transmitted via secure HTTPS (SSL) encryption.
Secure Storage: Sensitive KYC and financial data are stored on encrypted, restricted-access servers.
Access Control: Only authorized personnel can access user data for support or compliance purposes.
5. Your Data Rights & Account Deletion
You have the right to:
Access & Update: View and correct your personal information within the app profile.
Account Deletion: You may request the deletion of your account and all associated personal data at any time. To do so, you can use the "Delete Account" option within the App settings or email us at
sgsapp20@gmail.com
. Upon deletion, your data will be removed from our active databases, subject to legal record-keeping requirements.
6. Children’s Privacy
Our App is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we discover a minor has provided us with data, we will delete it immediately.
7. Changes to This Privacy Policy
We may update this policy to reflect changes in our practices or for legal reasons. We will notify you of any changes by updating the "Effective Date" at the top of this page.
8. Contact Us
For questions regarding this Privacy Policy or to exercise your data rights, please contact:
Email:
sgsapp20@gmail.com